Posted by Leeann Chamberlain, head of market strategy at Legal Futures Associate Verisk Claims UK&ISince the 1980s, insurers and credit hire organisations have relied on voluntary protocols, most notably the General Terms of Agreement (GTA), to manage credit hire disputes around daily rates, hire duration and ancillary charges. Following an initial pilot in 2025 that returned encouraging results, phase 2 of the GTA ADR scheme is due to begin in September 2026. Phase 2 introduces binding ADR for its voluntary GTA members for credit hire invoices under £10,000 that remain unresolved after 61 days. In the first half of 2025 alone, Verisk estimates the industry spent the equivalent of more than 15 years simply processing credit hire invoices — reviewing, negotiating and settling them. This further incentivises the case for early disclosure, as between roughly half to 60% of credit hire litigation settles only once disclosure has taken place, which is after both sides have already incurred additional costs.